Anyone who hits a train is 100% at fault in every circumstance imo. Also, if you're not attentive enough not to see the biggest vehicle on the road, you should not have your license. Trains are literally the most predictable vehicle in the existence, they only travel in two directions and are too big and heavy to accelerate and decelerate quick enough to surprise someone. If you hit the LRT, you are at fault and should pay the price, probably should get your license suspended in addition to paying for repairs and additional fines on top of that, how can a driver be trusted not to hit much less visible things like small cars, children and bicycles if they aren't able to avoid hitting a massive train.